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| Provider | Service type | Compensation |
|---|---|---|
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $68,208 |
Filed as: RESOURCES INVESTMENT ADVISORS Service code 27 · EIN 43-1451524 | Advisory (Plan) | $26,904 |
UHY LLP1 year Service code 10 · EIN 20-0694403 | Accounting | $21,523 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $56,361 | $82,163-31.4% | $125,381-55.0% | $64,819-13.0% |
| Participation rate | 41.5% | 77.9%-36.3pp | 82.4%-40.8pp | 71.5%-29.9pp |
| Annual return | -14.59% | 3.49%-18.1pp | 572.31%-586.9pp | 32.84%-47.4pp |
| Employer contribution / active EE | $2,028 | $3,616-43.9% | $4,815-57.9% | $2,507-19.1% |
| Participant deferral / active EE | $4,945 | $7,175-31.1% | $7,448-33.6% | $4,311+14.7% |
| Admin fee / account holder | $306 | $163+87.7% | $10,007-96.9% | $188+63.0% |